154 Howard Close, Waltham Abbey, EN9 1XD

UPRN:10012159054Purpose Built Flat1 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band CEPC: D (65)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

154 Howard Close, Waltham Abbey, EN9 1XD

HP Score

/ 100

Mixed

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

20 of 21 sources

Sale Estimate

£217,000

£206k - £228kHigh

Estimate

£217k

Range

£206k – £228k

Rent Estimate (pcm)

£1,050

£950 - £1k

Monthly

£1,050

Yield

4.58%

Verdict

Derived from HomePortfolio scores

154 Howard Close earns an INVESTIGATE rating with HP Score 50/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (59/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

50/ 100

Mixed

Investment Score

53/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

59/ 100

Moderate

Transit & Bike

Transit 24Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -26.7% (HIGH), sold-comps -60.8%, £/sqft -60.4%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10012159054· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.5%· as of 3 Nov 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1050/mo (range 950-1100)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -518/mo, -49% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 334 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 6 Nov 2026
Risk & liquidity14.6/15
245 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£206,000£316,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£274,995

At the asking price

Monthly rent£1,050/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £87,549
Net cash flow: -£201/mo
Cash on cash: -2.8%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10012159054Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.5%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 1050/mo (range 950-1100)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1050/mo (range 950-1100)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£217,000

Rent Estimate (pcm)£1,050

Gross Yield4.58%

1y Growth-11.7%

3y Growth+1.6%

5y Growth+1.3%

10y Growth+2.4%

Last Sold Price£215,000 (2021-09-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0EN9 1XD

Approval Rate

-12mo

Development

low

EPF/2085/26
Replacement of an existing front boundary treatment.
Pending
EPF/2001/26
Approval of Details Reserved by Condition 2 Schedule of Repairs of EPF/1672/25 Allowed on Appeal (Grade II Listed building consent to repair & replace existing fire damaged flat & pitched roof where required).
Pending
EPF/1974/26
Grade II listed building retrospective consent for internal wall removal.
Pending

View Planning Timeline

Ownership

Corporate Ownership63.1%
Overseas OwnershipNo
Lease Term Remaining152 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-09-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density1,013 /km²

Owner Occupied49%

Age Distribution

0-15 17%16-64 68%65+ 15%

View Area Profile

Schools Nearby

Waltham Holy Cross Primary Academy
0.2 mi
Good
King Harold Business & Enterprise Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Leverton Primary School
0.7 mi
Inspected as The Leverton Infant and Nursery School (URN 115279) on 20 Mar 2012
Hillhouse CofE Primary School
0.8 mi
Good

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

144 Howard Close
-
£179k
-
137 Howard Close
-
£210k
-
127 Howard Close
-
£123k
-
129 Howard Close
-
£169k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN